Military Mutual Code of Ethics, Advertising & Acceptable Use Policy

Last Updated: [Insert Date]

This Code of Ethics, Advertising Policy, and Acceptable Use Policy (“Policy”) applies to all members, partners, affiliates, subscribers, contributors, and users of the Military Mutual platform, services, applications, websites, and community.

By accessing or using Military Mutual, you agree to comply with this Policy in full.

Failure to comply may result in corrective action, including removal of content, suspension, termination of access, or other legal remedies as deemed appropriate by Military Mutual.

1. Core Ethical Commitments

All participants agree to:

Provide accurate, truthful, and complete information.
Communicate professionally, respectfully, and in good faith.
Maintain transparency in representations, pricing, and policies.
Refrain from deceptive, misleading, or exploitative conduct.
Respect fellow members, partners, and the veteran community.
Comply with all applicable federal, state, and local laws.
Use the Military Mutual platform in a lawful, ethical, and mission-aligned manner.

2. Advertising Standards & Claims Policy

2.1 Truthful Advertising

All advertising, promotional materials, listings, messaging, and representations must be truthful, accurate, and not misleading.

You may not:

Overpromise results
Create false expectations
Omit material facts
Present speculation as fact

All claims must reflect what a typical participant can reasonably expect.

2.2 Earnings, Performance & Results Claims

Military Mutual strictly prohibits misleading income, earnings, performance, or outcome claims.

You may not:

Guarantee income, success, or results
Claim specific earnings or timelines unless supported by documented evidence showing typical outcomes
Imply that participation alone leads to success

Any reference to results must:

Be truthful
Be supported by documentation
Clearly disclose that results are not guaranteed and may vary

The focus must be on education, opportunity, and skill development, not promised outcomes.

2.3 Testimonials & Endorsements

Testimonials may only be used if they are:

Truthful
Documented
Representative of real experiences

Testimonials must include clear disclosures stating:

“Results are not typical. Results are not guaranteed. Individual outcomes may vary.”

Testimonials may not:

Imply typicality when they reflect exceptional results
Be fabricated, altered, or taken out of context
Be used to guarantee outcomes

2.4 Substantiation of Claims

All factual, financial, health, or performance claims require a reasonable and reliable basis.

Unacceptable substantiation includes:

Anecdotal evidence
General internet searches
Unverified third-party content

Acceptable substantiation includes:

Verified records
Published studies
Credible industry standards
Documented historical data

3. Professional Advice Disclaimer

Unless properly licensed, users may not provide:

Legal advice
Medical advice
Tax advice
Accounting advice
Financial or investment advice

Content provided through Military Mutual is for educational and informational purposes only.

Users must direct participants to qualified professionals for personalized advice.

4. Refunds, Cancellations & Disclosures

All offerings must clearly disclose:

Pricing
Refund terms
Cancellation policies
Material conditions of purchase

Refund policies must be:

Clearly visible prior to purchase
Honored as disclosed
Easy to locate post-purchase

Failure to comply with stated refund policies may result in enforcement action.

5. Member Conduct & Targeting Prohibition

Users may not:

Harass, intimidate, or disparage other members
Target other members’ customers unfairly
Publish false or misleading reviews
Interfere with another member’s lawful business activity

Targeting behavior includes direct or indirect attempts to undermine or divert customers through deception or harassment.

6. Acceptable Use Policy

Users may not use Military Mutual to create, distribute, or promote content that is:

Illegal, fraudulent, or deceptive
Hateful, discriminatory, or harassing
Sexually explicit or pornographic
Violent, inflammatory, or sensational
Misleading or exploitative
Infringing on intellectual property rights
In violation of privacy or publicity rights

6.1 Prohibited Products & Services

The following may not be promoted or sold through Military Mutual:

Illegal drugs or controlled substances
Unsafe or illegal supplements
Products claiming to cure or treat diseases
Tobacco or vaping products
Adult or sexually explicit products or services
Weapons or illegal devices
Any product or service prohibited by law

7. Multi-Level, Affiliate & Referral Compliance

Any affiliate, referral, or multi-level business activity must comply with:

Federal Trade Commission guidelines
Applicable state and federal laws

Pyramid schemes, deceptive recruitment practices, or compensation based solely on recruitment are strictly prohibited.

8. Intellectual Property & Platform Data